Copilot Money is a beautifully designed personal finance app — but it only works on Apple devices, costs $13/month, and is US-only. If you use Android, Windows, or live outside the US, Copilot simply isn't an option. FlowFund is the best Copilot Money alternative: fully web-based so it works on any device, with a free tier, global currency and tax support, and features Copilot doesn't have.
Copilot is Apple-only, subscription-required, and US-focused. FlowFund works in any browser on any device, has a free tier, and supports 20+ countries with real tax brackets, MRR tracking, and crypto income support.
| Feature | Competitor | FlowFund |
|---|---|---|
| Price | Paid / Limited | Free tier available |
| Global support | US/CA only or limited | 20+ countries |
| MRR tracking | ❌ | ✅ |
| Crypto income | ❌ | ✅ |
| KYC required | Often required | ❌ Never |
| AI advisor | ❌ | ✅ |
| Tax calculator | ❌ | ✅ 20+ countries |
| Free tier | Limited or none | 50 tx/month free |